Newtown Savings Bank

39 Main St
Newtown, CT 06470
203.426.2563
www.nsbonline.com

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Newtown Savings Bank is headquartered in Newtown and is the 10^st largest bank in the state of Connecticut. It is also the 705^th largest bank in the nation. It was established in 1855 and as of December of 2012, it had grown to 204 employees at 19 locations. Newtown Savings Bank has a 3-star health rating.

Rate Cut At Newtown Savings (Forum) - 9/20/2012

Newtown Savings is CT cut rate to .70% down from .80%

Http://Www.Nsbonline.Com/High-Yield-Savings/ (Forum) - 11/28/2011

Newtown Savings esavings account rate drop to .85% down from .90%

Rate Drop At Newtown Savings (3928) (Forum) - 2/24/2011

Rate for Newtown Savings eSavings Account fell to 1% from 1.15%.

Rate Drop At Newtown Savings (Forum) - 7/27/2010

NSB eSavings Account rate drop 1.15% down from 1.30.

2010

6/30 - Newtown Savings Bank Changes U-Sweep To Esavings With Lower Rate (Forum)
3/16 - Newtown Savings Bank Cuts Savings Account Yield to 1.40% (Forum)

2009

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See Rates for: Checking | Savings | Money Market | CD | IRA

Newtown Savings Bank Checking Account Rates

Apy	Min	Max	Product
0.08%	-	-	Flagship Checking
0.05%	-	-	Interest Checking - Consumer
0.05%	-	-	Interest Checking - Sole Proprietor

Newtown Savings Bank Savings Account Rates

Apy	Min	Max	Product
0.70%	$100k	-	NSBiSavings
0.40%	-	-	NSBeSavings
0.25%	$15k	-	Health Savings Account
0.05%	-	-	Statement Savings
0.05%	-	-	Passbook Savings
0.05%	-	-	Christmas Club

Newtown Savings Bank Money Market Rates

Apy	Min	Max	Product
0.25%	$1m	-	Consumer Tiered MMDA
0.25%	$1m	-	Business Tiered MMDA
0.15%	$100k	-	Business MMDA Sweep
0.05%	-	-	Basic Money Market Account - Consumer
0.05%	-	-	Basic Money Market Account - Business

Newtown Savings Bank CD Rates

Apy	Min	Max	Product
1.10%	-	-	5 Year CD
0.85%	-	-	4 Year CD
0.60%	-	-	3 Year CD
0.45%	-	-	2 Year CD
0.40%	-	-	18 Month CD
0.25%	-	-	1 Year CD
0.15%	-	-	6 Month CD
0.10%	-	-	3 Month CD

Newtown Savings Bank IRA Rates

Apy	Min	Max	Product
1.10%	-	-	5 Year IRA
1.10%	-	-	5 Year Roth IRA
0.85%	-	-	4 Year IRA
0.85%	-	-	4 Year Roth IRA
0.60%	-	-	3 Year IRA
0.60%	-	-	3 Year Roth IRA
0.45%	-	-	2 Year IRA
0.45%	-	-	2 Year Roth IRA
0.40%	-	-	18 Month IRA
0.40%	-	-	18 Month Roth IRA
0.25%	-	-	1 Year IRA
0.25%	-	-	1 Year Roth IRA
0.15%	-	-	6 Month IRA
0.15%	-	-	6 Month Roth IRA
0.10%	-	-	3 Month IRA
0.10%	-	-	3 Month Roth IRA

Rates updated: 5/24/2013

Data for Q4 2012

Institution Statistics

Newtown Savings Bank
FDIC Certificate #	18199
BankRate Report	View
Year Established	1855
Employees	204
Primary Regulator	FDIC
Assets and Liabilities
Assets	$944.60 million
Loans	$741.16 million
Deposits	$736.19 million
Equity Capital	$67.30 million
Loan Loss Allowance	$6.17 million
Unbacked Noncurrent Loans	$14.49 million
Real Estate Owned	$3.24 million
Historic Data - December 2011
Assets	$955.50 million
Equity Capital	$67.61 million
Loan Loss Allowance	$8.29 million
Unbacked Noncurrent Loans	$19.25 million
Real Estate Owned	$6.09 million
Profit Margin - Quarterly
Net Interest Margin	3.37%
Return on Assets	0.13%
Return on Equity	1.82%
Interest Income	$39.28 million

Institution Health

Overall Score:

3 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Newtown Savings Bank had $17.73 million in non-current loans and owned real-estate with $73.46 million in equity and loan loss allowances on hand to cover it. This gives Newtown Savings Bank a Texas Ratio of 24.14% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Newtown Savings Bank decreased slightly from 33.91% as of December 31, 2011 to 24.14% as of December 31, 2012, resulting in a positive change of 28.80%.This indicates that the balance sheet and financial strength for Newtown Savings Bank has improved slightly in recent periods.
Deposit Growth
In the past year, Newtown Savings Bank has increased its total deposits by $31.64 million, resulting in 4.49% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Newtown Savings Bank has shown is above average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Newtown Savings Bank has $944.6 million in assets with $73.46 million in equity, resulting in a capitalization level of 7.78%, which is below average.